Regionally-traded Excess of Loss

Excess of Loss insurance is designed to provide top-up liability coverage, giving businesses financial protection should they face large, unexpected losses that exceed the specified thresholds within their regular insurance.

Our Excess of Loss product offers combined or standalone Excess Public and Products Liability and Excess Employers’ Liability.

Cover

• Excess Employers' Liability (typically attaching at £10 million or above)
• Excess Public and Products Liability (typically attaching at £2 million or above)
• Excess motor third-party property damage liability, when written in conjunction with Excess Public and Products Liability insurance (typically attaching at £5 million or above)

Our Excess of Loss product for is aimed at businesses with between £5 million and £300 million turnover.

Our risk appetite spans a broad range of sectors, including construction and engineering, manufacturing, logistics, wholesale and retail, and professional business services. We can cover large and complex loss exposures, including products exported and work-away exposures overseas.

• We continually strive to provide a claims proposition that reflects your clients’ changing requirements. We have access to a global team of over 600 experienced claims professionals to support customers with any claims overseas (for example, arising from products exported). See our Claims Commitment to find out how we strive to make the claims experience collaborative, personal, clear and effortless
• We have an in-house major loss team, who work closely with customers and their advisers to achieve the right outcomes
• Where a major claim or series of claims arises out of one incident, we will provide £100,000 for reasonable costs incurred by the customer to mitigate resultant damage to their reputation
• Your clients will also have access to Zurich Support Services, a free and confidential health and wellbeing service, offering support ranging from counselling to debt management. Access to Zurich Support Services is not part of an insurance contract with Zurich, and we reserve the right to withdraw access at any time without notice